Citibank Reviews

Customer Service cannot be rated because you can't get to a customer service agent. AI agent prolongs the process. Waited on hold for over an hour before hanging up 3 different times.

They false advertise on American Airlines that if you apply for their credit card and get approved, they'll knock off $500 from the flight. We got approved and they never followed through with the discount. It's really just a scam to get you to sign up for their credit card. Beware!

I was a victim of fraud on a Costco Credit card, the hacker got to my online account, made a bunch of charges, created a checking account with Citibank and transferred a cash advance in the amount of $500. We reported the same day the problem and the Credit Fraud team, managed to cancel the charges, but seems that forgot to deal with the Cash advance and the fraudulent checking account created. Next day I am monitoring the account and I see that there is a wire coming from my checking account with other bank, in the amount of $2300.

Citibank turns over all its deceased accounts to a bill collector Ascension even if the account is currently paid in full and had been paid in full each month for 8 years. No opportunity for a final statement. No representative expressing concern unlike Bank of America and US Bank. Just an immediate turn over to a collection agency where both companies refuse to provide a itemized statement so the small amount not due for another 28 days could be paid. Really, sleazy and the only way around it was Costco who has signed on to be CitiBank’s partner. Costco sent a statement and it was paid but I have still received two wrap up letters from Ascensions to document their recognition of the payment while threatening to sue the estate if there are anymore charges. Not cool to harass someone who lost their partner of 35 years.

I contacted Citi before the payment was processed because I noticed my account was set up to make a full automatic payment of $3,336.31, which I never intended to authorize. I had already made a $200 payment for the month and requested that the automatic payment be canceled. The representative I spoke with the day before told me they could not see the transaction on their end, so there was nothing they could cancel. I monitored my account all day and didn’t see the payment pending either. The next day, as soon as the payment appeared, I contacted Citi again. This time I was told it was too late to cancel, even though I had already called the previous day asking for help. Instead of resolving the issue, I was told the payment would attempt to withdraw funds three separate times, potentially resulting in returned payment fees if there weren’t sufficient funds.

Get rid of the AI agent; I'm so tired of dealing with this thing. Anytime I call, it's at least 15 minutes with this thing to get to someone that can help me. Doesn't CitiBank make enough money to get rid of the AI bot? It's the worst customer service I've ever experienced. The people on the other end are great. If I wasn't forced to use CitiBank, I would stay 1000 miles away from it.

Citibank is not allowing us to put their credit card into a Google Wallet. Every time we use it from the Wallet, it flags it as a fraudulent transaction. I have been on the phone with Citibank several times. They said just don't use the Wallet, but when I ask if that means their card can't be used in the Wallet, they say that I can use it in the Wallet but if I do, it will get flagged as fraud. Huh? When I asked to speak with a manager, I was put an eternal hold and eventually just hung up. We are done with Citibank.

My husband and I applied for a CitiBank card with an application we received on an American airline flight, promising 80,000 miles if we spent $1000 each in the first 3 months, which we did. After inquiring about eligibility, we were assured by 3 different agents that we did. Our concern was that we’ve had Citibank cards before, but were assured we qualified. When our bill came it didn’t have the 80,000 miles. When inquiring we were told we had a card within 2 years. The card we applied for was a different type of card, and they did see in their own records that we were indeed told we qualified for the miles. They offered us 1000 miles, which doesn’t help us because you can’t use partial miles and cash. We feel it was definitely a bait and switch practice. We received no help from customer service **

Received my new card, and it will not allow me to activate. Called customer service to resolve and could not verify my identity. Called back so they could call my work to verify my identity. Which in itself is really weird. Every time I call, the wait time is 30 minutes. I wish I had never gotten this card. Terrible bank

If you must call Citibank to talk with a representative, the AI that greats you will not send to a live person, instead, it wants to go through all charges when you want to dispute calls. When you finally get to talk with a person after you’ve identified that you need to report fraud, the person you get is not on this continent and one cannot understand them. When they finally determine that you are reporting fraud, they then need to connect you to the fraud department, which is where the call should have been directed from the beginning. Then, of course, this person’s accent is so thick that they can’t be understood. With all the people out of work in the US, an American company should be employing US citizens rather than foreign call stations.

Terrible bank. You WILL NOT speak to an American via customer service and you WILL NOT find a physical location. If you trust an entirely online run Bank with Indian only customer support, this is the place for you, otherwise bank with literally anyone else.

I signed up for the Citibank brokerage account. Everything was fine for the first week, even though the layout of the app is horrible and not user-friendly. The second week, my account got locked, and I wasn't able to withdraw deposits or make trades. After talking to multiple people and being lied to that they would call me back, I finally found somebody who resolved my issue; it took a whole week and multiple people to talk to. They all lied to me and told me they would call back and none ever did except for the last guy who did resolve my issue.

Classic failure to support a customer. Rolled over from Barkley (AA advantage card). Name on Citi card is wrong. Card not accepted on travel websites. Called for changes and relief. After over an hour speaking with a representative, was told that I would have to wait until receiving a code n the mail which will take 7-10 business days. Then I have to call in the code and then wait to receive a new card (7-10 more business days?). All of this because their card is bad. Asked for an overnight mailing and was told it was not possible. Asked to speak to a manager, but was told one was not available. Was told I would get a call back. Hasn’t happened. Barkley card would send a replacement card overnight. I wonder who exactly benefited from this transition to citi.

I recently called to get my balance. I paid the balance in full with a real person on the phone. A month later, I got a few letters. I ignored them. Because I no longer do business with Citibank and my account was paid off. But apparently there was a few dollars that wasn't paid. Due to interests that got lost along the way. So for 3 months, this went on and shot my credit down. What I failed to understand is when you called to pay off your bill in full, and you pay the bill off in full. How they're able to add 3 extra dollars and completely ruin your credit. After three months and not even care. How they get away with that blows my mind. I will never do business with citibank. Again, high interest rates for no reason.

Customer service was awful. Charges fees and refuses to help customers when being overcharged on merchandises. We are all better off refusing to use these credit cards because we aren't receiving any real perks from them. TOTAL SCAM of a credit card.

I’ve called 3 times about my credit line increase. They have run my report each time and still at square 1. Employees need to be trained!!!!!!

These people are a NIGHTMARE. Citigroup, the parent company of Citibank, bought out Barclays who I’ve been using for my credit card services for 15 years. I never had an issue with Barclays. Citi hasn’t even sent me my new card yet and it’s been nothing but a nightmare already. I notified Citi that I would be taking my family to Europe on vacation about a week before we left. They shut down my existing card for no reason. I verified all of the charges with a service agent - the 11th agent I had to speak with…yes, I said the 11th agent- and she said that my card was good to go. Then, it continued to get declined. I called back and got a different story from a manager. Long story short, I am in Europe right now without a major credit card and we still have another week here. The Citi agents could not be more unhelpful.

Recently went on a trip to Greece. Booked a trip with Viator Las Vegas based company and the Driver in Greece stood us up. Citibank is charging us $500 for a trip we could not take. Said that I and my other traveler were lying and awarded the merchant $500 because the Merchant is in their pocket. They're not anybody to trust. Avoid Citibank like the plague. Get rid of your Citibank cards. They're not honest and only cater to the merchants not the customers who pay the interest.

I write this as a warning to current and future Citibank customers. At the beginning of December 2025, I opened a 6 month Certificate of Deposit online with Citibank for a significant amount as they were offering a little better rate than my local banks… As for the amount, think of paying cash for a nice Audi or BMW car. The process was quick and easy, transferring the money from my primary savings with my local bank to Citibank. A few weeks later it occurred to me that I didn’t set beneficiaries, and I should probably do that, as I am middle-aged and one just never knows. After logging into to the Citibank portal, I couldn’t find any place to do this, so I called the customer service number asking for guidance. I was told this wasn’t available online, and they would have to mail me a packet that I would have to complete and return to update this.

Seems Citibank PURPOSEFULLY does not send billing to email, trying to make missed payments that would default to higher interest rates. At first I received regular emails telling me when my payment was due, along with the amount due and the balance. About halfway through the "promotional period" they stopped emailing me this information. Thankfully I always keep track on my own and was able to avoid what feels like their attempt to cause me to miss payments & cause "default" interest rates. Their customer service is terrible and good luck getting a representative you can clearly understand, not to mention the frequent VERY long wait only to get NO answers to any questions.

Took physical cash to the branch today 6/18/26 to post payment to my Citibank Costco account. Would not accept the cash, "as I do not have a checking account" with Citibank. Informed to go back to Wells Fargo and get a money order to Cashier Check so they could process a payment to my Citibank Costco card. They call themselves a bank, when they will not accept US Dollars.

This bank is the biggest pos, lost a customer for life. Phone operators keep telling me I lost $453.78 in rewards over a cancellation of an account I did not request. Phone operators are completely incompetent and supervisors just tell you a bunch of made up bs. You guys should be writing me a check. Hope that amount was worth losing a customer.

The customer service is horrible. They don't help you find a solution. They only make it worse. My account was open 2 weeks ago still yet I haven't received a debit card. I can't even access my online account. Not having access to your own money is very troublesome and the fact that they don't care I will never ever put a dime or penny back into this bank again. I will definitely close this account once I receive my debit card.

Absolutely shocking that they keep me on the line for an hour to connect to the so called customer service.

This company does not even deserve ONE STAR...and I would give them a negative rating if available. I have been a credit card holder/user for 50 years and have excellent credit. AA (Barclays) switched my card to Citibank in April this year. I never received my new card. I called customer service, they sent a new one...which I never received. I called back to let them know, gave them a new address and told them this was my permanent address as I had moved recently. I was issued another card...which I never received!

This would be a negative 10 if possible. I was changed from Barclay by AA...only 3 days in, and it's been horrific with CITI Credit Card Services....I have spent 6 hours on the line, spoke with 13 people, and they have placed a hold on my card every 12 HOURS...what gives? They will not take any accountability whatsoever. They are the worst, no extra points or anything offered for my time, now I have to wait another 8 days for them to close my account and issue another card, which then I will have to go through changing all of my pre-pay accounts AGAIN... anyone receive any resolutions

Citibank's "customer service" is truly worthless. In fact, I think the company might be better off eliminating customer service positions altogether, and forcing customers to unquestioningly accept the circumstances of their accounts. The result would be the same. Yesterday, I called Citi because due to a product change, I suddenly had two of the same types of credit cards under my name. I asked the representative to close one of the accounts.

Citi may be the worst bank I have ever dealt with. I tried to talk to a real person but was told Id have to wait 25 min. I opted for a callback and 4 hrs. later I am still waiting. I called Chase and they put me thru to a person in under 4 min. I'm sure they fired most of their reps thinking AI would take care of it. Nope.

Citi bank is honestly a terrible bank. Those customer service representatives that you call on the phone when you don’t wanna go into a branch are literally the most useless people living. They be having no answers for you and we’ll sit there and send you to the most randomness department hoping that they’ll have answers for you. Even the damn supervisors are useless as hell. I hate this bank so much. They literally know how to boil my blood, things are simple as transaction issues can’t even be solved or figured out with this bank because all of them are clueless and can’t do their job. And when you point out that they are not doing their job or you’re going against what they’re recommending because you know what’s wrong all they’ll do is hang up the phone on you. No type of decorum no type of professionalism and no type of respect. Who the hell is hiring these people to be customer service?

Buyer Beware. If I could rate this card a zero I would. I used DriveCard issued by Citibank to pay for car repairs that turned out to be defective and negligent work. When the merchant refused to fix their mistakes I turned to this credit card company for help filing a quality of service dispute. Instead of protecting me, their claims department completely dismissed my evidence and refused to help. I advice stay away from this card. They do not back up their customers when merchants take advantage of them. They also are in violation of federal consumer protection standards.

Citi is trash! They really need to be sued again. I have had their Costco card for 4 years now. It had a 12000 limit. I have a Diamond preferred card with a 8000 limit. The costco card was used to a balance of 10,500 with a minimum payment of 300, never was the minimum made. It is always 500 to 700 a month! The Diamond card has only been used once for 700 and it is at 400 after the first month of payments, which will be paid off this month! Citi took it upon themselves to drop my limit on my Costco to 10700 and my Diamond to 630 a decrease of 9200 plummeting my credit score 35 points. I don't know why they chose to do this but it's garbage. I will continue to pay them off and never use their card again! Very bad business model and I see for my own eyes now why their ratings suck!

Today I visited the Citi Bank in Palm Springs, CA with a complex issue with registering my new Citi Credit Card. I tried for several days trying to navigate the website to register and wound up going in circles. Problem was I had several old Citi accounts and no longer had my log-in information. Fortunately, I was greeted by David ** who not only understood my problem he took ownership of the issue and with great diligence solved the problem. Incidentally, have been a customer of Bank of America for the past 54 years and have never had a BofA branch employee assist me in the way David ** did today. Great job, David and thank you for your professionalism.

Citibank offers excellent worldwide presence and useful perks like global transfers and competitive credit card rewards. However, customer service can be inconsistent—long wait times and occasional account access issues arise. Monthly fees are high unless you maintain minimum balances. Great for frequent travelers or expats, but for everyday local banking, smaller banks or online options may offer better value and support.

This company lacks in customer service. With the financial strains that every day hard working lower income people deal with, Citibank USA won't waive a $29 fee for a mistake that was made on the application. The application somehow had a bank account attached to it that had been closed for the better of a year. Several payments had been made from a primary bank account also attached to the application several years before this account was ever added and monthly payments thereafter. Nothing says "poor customer service" more than a company not being able to waive this $29 fee. I think it is very telling from this complaint how much Citibank values their customers and the customer service that they provide for them.

Worst credit card company ever. I have been with them quite awhile. I've always had card balances and then paid them. Up and down like a roller coaster. Now, when I pay they keep lowering my limit so that my credit score goes up faster due to percentage usage, than it goes down for making payments. Bunch of crap. Closing all my accounts.

My bills for Citibank are autopay from my own bank on time monthly for my balance transfer. Citibank attempted to debit thousands from my account without authorization resulting in OD fees at my bank and my stop payment fee. It took multiple calls and hours of my time to reach a human and one that communicates well in English. Beyond frustrated.

This Citibank service and representatives are terrible--- gone downhill. If you have to do online bank transfers to your acct. It helps to realize if your acct show posted -- it isn't accurate -- if it says Bal. Available it isn't accurate. It takes hours - to get past the Bank robot to speak with a supervisor. Then they tell you have put holds on your money --- that doesn't show up --- unless there is a payment default. Here's a supervisor's secret -- when stuck in a loop w/ BOT try #00. To get a cust. Rep. --- saying Cust. Rep. will not work. Frankly -- if not for Costco cc and Auto pay utilities --- this would have been closed long ago. For most 15 of 20+ yrs. I went into office. We're out of state --- Take your money out of Citi Bank, they don't really want customers --- that why they treat them badly. Chase/W.F. seem to want to do Cust. Service.

The worst bank!!!! They stole 3300.00 dollars from me!!!!

Citibank refused to investigate fraud on an older adults account. They do not protect older adults finances from exploitation or fraud. Citibank should not be able to have banking services in our country.

I was forced into a Citibank account because AAdvantage moved my credit card there. They couldn't set up a website for me to log onto for way too long. When I was able to log in it was after the payment due date. I paid off the balance immediately but then was charged interest for some reason. I immediately canceled my account. I was never able to talk to a real person. I have always paid my entire balance every month and have never paid interest on this (or any) credit card. This is especially annoying cause they charge $100 per year to have the card. I am going to miss accumulating miles on American Airlines, but it is not worth it. Dealing with this company was just awful.